据公开信息，科蓝软件在金融机构移动银行市场连续九年保持占有率第一，此次合作中，该公司将获得 360智领360天御系列13款核心产品的推广与销售授权，产品覆盖ios、鸿蒙、安卓多系统应用加固，以 及App、SDK、H5等类型应用的安全检测与隐私合规检测服务。从合作条款看，相关产品支持本地化与 SAAS两种部署模式，且单个产品可实现一年不限次使用，可适配不同规模金融机构的部署需求。 此次合作双方计划成立专项小组，共同挖掘金融及互联网行业的移动安全项目机会。公开数据显示，当 前金融数字化转型进程中，移动应用安全市场规模年增速超30%。科蓝软件相关负责人表示，合作后， 该公司的服务范围将从"数字化解决方案"延伸至"安全防护"领域，同时借助360智领的技术支持，其金 融科技服务的综合能力有望得到补充，对后续业务拓展及客户维护产生积极影响。 本报讯(记者金婉霞)日前，北京科蓝软件（300663）系统股份有限公司(以下简称"科蓝软件")与北京三 六零（601360）智领科技有限公司(以下简称"360智领")签署战略合作协议，双方将围绕移动应用安全 领域开展协同。科蓝软件将结合其在金融数字化领域的服务经验，搭配360智领的技 ...

尹艳林谈道，中国金融业赶上了现代化的时代潮流。以数字化为例，尹艳林介绍说，金融机构加速推进 数字化转型，金融科技发展规划明确提出，到2027年实现主要金融机构数字化率超85%。我国数字金融 业态不断丰富，已覆盖支付、信贷、投资、保险、征信等各项业务，数字支付全球领先。目前，我国已 成为全球移动支付的第一大市场，移动支付平台用户数超过10亿，普及率居全球首位。2024年中国个人 手机银行用户使用比例达88%，93%的企业开通了企业网银。数字人民币试点扩至17省，雄安新区数字 人民币发薪覆盖率超80%。 "此外，我国金融的国际化也取得明显进展。"尹艳林说，离岸人民币债券发行规模创新高，粤港澳大湾 区跨境理财通规模实现突破，跨境保险通、债券通南向交易等新政落地，上海国际金融中心建设顺利推 进。数字人民币国际运营中心已正式开业，跨境支付中人民币占比有望进一步上升。 在扩大开放方面，尹艳林表示，只有开放，才能促进改革创新。要通过扩大对外开放，提高我国金融资 源配置效率和能力，增强国际竞争力和规则影响力。要对标国际高标准经贸协议中金融领域相关规则， 精简限制性措施，提升跨境投融资便利化水平。要以开放的理念积极拥抱新业态， ...

GFIX由城银清算服务有限责任公司牵头建设，是通用金融信息传输服务系统，是境内金融机构间报文 传输系统，是中国人民银行贯彻落实中央金融工作会议精神、推进金融"五篇大文章"的具体举措，被誉 为"中国版SWIFT"。该系统支持金融机构间报文直接转发，并提供7*24小时服务，目前已包括中国外汇 交易中心、上海清算所在内的多家金融基础设施，目标覆盖政策性银行、国有大型银行、股份制银行、 城市商业银行、农村商业银行和民营银行等6类银行业金融机构以及包括财务公司在内的非银行金融机 构共计2000+。GFIX系统的建成运行，对提升银行业竞争公平性、构建现代金融机构体系、推动金融数 字化转型及支持数字中国建设具有重要意义。GFIX作为连接财务公司与商业银行间的信息传输通道， 可以赋能成员企业通过财务公司统一一点接入，高效便捷的实现账户查询管理、资金调拨归集等功能。 在海尔集团"人单合一"模式指引下，海尔财务公司始终秉承创新引领的理念走在行业创新的前沿，持续 推动金融能力与产业生态全链条深度融合，不断创新金融服务产品，赋能集团产业高质量发展。此次首 批接入GFIX系统，不仅是海尔财务公司自身发展的重要里程碑，也是向集团"人单合 ...

金融行业作为社会经济的重要支柱，一直都走在数字化的最前沿。在全球经济转型的关键期，金融行业更是加快了数字化的进程。以银行业来看，去年毕马 威发布的《中国银行业调查报告》显示，中国银行业将进入以追求高质量、数字化为导向的转型发展"跋涉期"。 近期，北京熙诚产业投资管理有限公司发布上市消息，将在10月15日上市港交所。一直以来熙诚产业凭借着强大的专业的技术团队赢得了行业的广泛认可, 在互联网金融投资领域具有重要影响力。立足当前的发展环境,积极应对行业竞争,以市场需求为导向,坚持创新,不断提升自身品牌影响力,以创新为驱动力,在 行业内脱颖而出。 对于客户,平台严格把关风险控制,组建一支高级风控团队,通过线下实地调研、线上严格审核资料等方式,以银行级的专业标准把关项目准入,确保客户投资的 项目真实可靠,把客户的利益放在首位,全力以赴保障客户的投资收益。 对于员工管理,熙诚产业坚持"以人为本"的原则,为员工提供可塑性的发展空间,激发工作积极性,创建员工实现梦想的平台。对于财富管理,熙诚产业秉承社会 与人和谐的理念,规范自身建设,营造井然有序的理财环境,为广大客户提供一个适合的良好投资平台。 金融业升级承担着社会经济转型 ...

Core Insights - The 2025 Service Trade Fair in Beijing will feature a financial services exhibition with a total area of 11,000 square meters, focusing on global financial innovation and collaboration [1] - The theme "Digital Intelligence Driven, Open and Win-Win" highlights the participation of 97 financial institutions, including 71 Fortune 500 companies, with an international participation rate of 47.4% [1][6] - The integration of AI, big data, and cloud computing into financial services is a prominent trend, showcasing practical applications of digital transformation [3][5] Group 1: Financial Innovation and Technology - Financial institutions are increasing investments in technology, leading to the introduction of intelligent products based on large models [3] - The Industrial and Commercial Bank of China showcased an interactive exhibit featuring a trillion-level financial model, demonstrating AI's potential in various banking applications [3] - The "Chuangyou Tong" product from Beijing Bank offers multiple functions for foreign visitors, highlighting the convenience of payment solutions [4] Group 2: International Participation and Collaboration - The fair has seen a significant increase in foreign financial institutions, with a 47.4% representation, indicating China's growing appeal as a global financial hub [6][7] - The International Financial Lounge serves as a platform for cross-border financial and wealth management innovations, with participation from over 40 institutions worldwide [7] - Mastercard and Mizuho Bank are among the international participants, showcasing their initiatives to enhance payment experiences and support cross-border investments [7][8] Group 3: Financial Services for the Public - The fair emphasizes making financial services more accessible and relevant to everyday life, with interactive designs enhancing visitor engagement [10] - Various institutions are focusing on pension finance, with China Life and Beijing Rural Commercial Bank presenting their comprehensive services in this area [10] - The promotion of digital RMB is a highlight, with multiple banks collaborating to create an innovative ecosystem for its application [10] Group 4: Education and Awareness - Financial literacy and anti-fraud education are key focuses, with creative interactive setups designed to engage visitors in learning [11] - Investment education initiatives are being implemented through innovative themes and interactive experiences, enhancing public understanding of financial concepts [11] - The fair serves as a reflection of the direction of China's financial industry, emphasizing intelligence, openness, and social value [11]

金秋九月，2026年银行业校招大幕正式拉开，9月11日，北京商报记者梳理发现，在金融数字化转型纵深 推进的背景下，银行校招释放出转型加码信号，科技岗位突破传统系统开发边界，呈现全链条渗透特征； 业务岗布局则紧扣战略需求，既覆盖养老金融等特色业务领域，也兼顾基层服务岗位。值得关注的是，构 建复合型人才生态已成为各家银行的共同目标，在分析人士看来，未来硬核技术岗、金融与科技交叉领域 的复合型人才岗位，以及生态合作相关岗位需求将逐步上升。 科技岗全链条加码 在金融数字化转型的浪潮下，科技型人才一直是银行争抢的核心资源。与往年不同，2026年银行校招的科 技岗位呈现出全链条渗透特征，不再局限于传统的系统开发，而是明确将应用研发、信息安全、数据挖 掘、人工智能等列为核心方向。 工商银行设立科技菁英岗位，主要为系统开发、应用研发、信息安全、数据挖掘、产品设计等领域提供科 技人才储备。这与工商银行2025半年度报告中披露的"领航AI+"行动形成呼应，上半年该行在个人金融、 金融市场、对公信贷等重点业务领域新增AI财富助理、投研智能助手等100余个应用场景，亟需大量算法 工程师与场景落地人才。 邮储银行的招聘策略则更具业务导 ...

Core Insights - Mobile banking has evolved from a single financial tool to a comprehensive service platform, becoming a key entry point for customer acquisition in the digital transformation of banks [1][2][4] - The competitive landscape of mobile banking is shifting towards an ecosystem approach, emphasizing the integration of financial and non-financial services [3][4] Group 1: User Growth and Market Dynamics - As of June 2025, Industrial and Commercial Bank of China (ICBC) leads the industry with 600 million personal mobile banking customers, while other major banks maintain user bases above 300 million [1] - The growth of mobile banking users is particularly strong among joint-stock banks, with China Merchants Bank reaching 205 million cumulative users and 82.67 million monthly active users by June 2025 [1] Group 2: Transformation of Corporate Mobile Banking - Corporate mobile banking is transitioning from "financial services" to a "comprehensive management" platform, with ICBC and China Bank enhancing their offerings to include cross-border financial services and integrated management tools [2] - China Merchants Bank's corporate app provides a one-stop mobile service for businesses, including fund transfers, investment management, and online financing for SMEs [2] Group 3: Technological Integration and AI - The integration of AI technology is becoming central to mobile banking, with banks like China Merchants Bank and Bank of Communications developing frameworks to enhance personalized services and operational efficiency [2] - AI is evolving from application in specific scenarios to deep integration across all processes, positioning itself as a core engine for personalized banking services [2] Group 4: Open Banking and Ecosystem Development - The evolution of mobile banking is characterized by a shift from tools to platforms and ecosystems, with banks focusing on open capabilities to integrate financial services into everyday life [3] - Banks are encouraged to collaborate with governments, enterprises, and third-party platforms to create a "financial + non-financial" ecosystem [3] Group 5: Risk Management and Security - Digital risk management is essential for the stable operation of mobile banking, with banks employing big data and AI to build a comprehensive risk control system [4] - The focus is on creating precise customer profiles, real-time monitoring, and dynamic risk alerts to ensure user fund safety and financial system stability [4] Group 6: Future Outlook - Mobile banking is set to become the primary touchpoint for customer service, evolving into an "ecological entry point" that offers smarter, more convenient, and safer comprehensive services [4]

Core Viewpoint - The case highlights a significant discrepancy between the promised automatic renewal of deposits and the bank's actual practices, leading to a substantial financial loss for the depositor over 27 years [1][5][6]. Group 1: Case Background - A 66-year-old woman, referred to as Grandma Wei, deposited 20,000 yuan in two one-year fixed-term deposits in 1997, receiving handwritten certificates as proof [1][2]. - The bank's staff allegedly assured her that the deposits would be automatically renewed upon maturity, which was a common practice at the time [2][4]. - After 27 years, when she attempted to withdraw her funds, the bank informed her that the interest accrued was only about 5,000 yuan, significantly less than expected [2][3]. Group 2: Dispute and Legal Proceedings - Grandma Wei contested the bank's explanation, recalling the staff's promise of automatic renewal, and filed complaints with regulatory authorities [3][4]. - The bank maintained that without explicit notation for automatic renewal on the deposit certificates, they were not legally obligated to renew the deposits automatically [5][6]. - The case escalated to court, where the judge noted discrepancies in the bank's calculations and the handling of the deposit records during a system upgrade in 2003 [5][6]. Group 3: Resolution and Industry Implications - The bank eventually acknowledged the oversight during the system upgrade, which led to the failure to apply the automatic renewal process for the electronic records [6][8]. - A compensation proposal was made by the bank, offering a sum equivalent to the interest that would have been earned had the automatic renewal been applied, which Grandma Wei accepted [6]. - This case underscores the challenges faced by the banking industry during the transition from manual to digital systems, particularly regarding customer trust and service continuity [8][9].

Core Insights - Financial technology companies have shown steady growth in domestic business and expansion in international markets driven by technological innovation and globalization strategies [1] Group 1: Performance Overview - In Q2 2025, QiFu Technology reported revenue of 5.2 billion RMB, a year-on-year increase of 25.4%, with a non-GAAP net profit of 1.85 billion RMB [2] - XinYe Technology achieved revenue of 3.58 billion RMB, up 12.9%, and a net profit of 750 million RMB, growing 36.4% [2] - LeXin's revenue was 3.587 billion RMB, a slight decline of 1.46%, but net profit surged 125.75% to 511 million RMB [2] - XiaoYing Technology's revenue reached 2.273 billion RMB, a 65.6% increase, with a net profit of 528 million RMB, up 27.1% [2] - JiaYin Technology reported revenue of 1.886 billion RMB, a 27.76% increase, and a net profit of 519 million RMB, growing 117.88% [2] - Overall, the financial performance of listed fintech companies shows a mixed trend, with a focus on improving business quality and efficiency [2] Group 2: Industry Trends - Key characteristics of Q2 performance include steady growth and expansion, enhanced risk resilience, and the empowerment of AI technology [3] - Companies are actively pursuing international business, with XinYe Technology's international transaction volume exceeding 3.2 billion RMB, a 39% increase, and international revenue nearing 800 million RMB, up 41.5% [4] - JiaYin Technology's international operations in Indonesia saw loan amounts increase by over 200% year-on-year, with registered users growing approximately 170% [4] - The rationale for expanding international business includes the presence of market opportunities in emerging economies and risk diversification through global strategies [4]

Investment Rating - The investment rating for the company is "Buy" [1] Core Views - The company achieved a significant year-on-year increase in net profit of 1103.5%, reaching 668 million yuan, primarily due to improved insurance business profits, ZA Bank turning profitable, and a substantial reduction in technology business losses [2][3] - Total premium income for the first half of 2025 was 16.661 billion yuan, reflecting a year-on-year growth of 9.3%, outperforming the overall growth rate of the property and casualty insurance industry [3] - The underwriting profit for the first half of 2025 was 627 million yuan, a year-on-year increase of 3.46%, with the combined ratio improving by 2.3 percentage points to 95.6% [4] Summary by Sections Insurance Segment - Total premiums increased to 16.66 billion yuan, a growth of 9.3% year-on-year, with health, digital life, consumer finance, and auto ecosystems contributing 37.7%, 37.3%, 16.2%, and 8.8% respectively [3] - The health ecosystem saw a premium growth of 38.3%, while the auto ecosystem grew by 34.2% [3] Technology and Banking Segment - The technology output business generated total revenue of 496 million yuan, a year-on-year increase of 12.2%, with net losses narrowing to 56 million yuan, a reduction of 32.2% [5] - ZA Bank achieved a net profit of 49 million HKD, compared to a loss of 110 million HKD in the same period last year, with net income growing by 82.1% [5] Investment Performance - Total investment income for the first half of 2025 was 639 million yuan, reflecting a year-on-year increase of 3.1% [6] - The annualized total investment return and net investment return were 3.3% and 2.1% respectively [6] Financial Forecast and Valuation - Revenue forecasts for 2025-2027 are projected at 37.15 billion, 39.18 billion, and 41.43 billion yuan respectively, with upward adjustments to net profit forecasts for the same period [7][8] - The expected earnings per share (EPS) for 2025-2027 are 0.82, 0.91, and 1.08 yuan respectively [8]